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Accounts

Bank your way with low fees and extra benefits.

Credit cards

Enjoy 55 days’ interest free credit and other benefits.

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This cover helps protect you from the cost of legal matters. It covers approved legal fees, advice, support, and representation, so you don’t have to face the unexpected costs on your own.

This cover is suitable for anyone who wants support and guidance when dealing with everyday legal issues in their personal life, such as disputes, family matters, or defence against legal action that is brought against them. 

It helps you access guidance and assistance to navigate challenging situations with greater confidence when you need it most.

This policy covers a range of legal matters that may arise. These include:

  • Civil legal action initiated by you or brought against you in a private capacity.

  • Criminal defence, including bail costs.

  • CCMA or Labour Court matters.

  • Family matters like divorce, child custody disputes and maintenance suits.

  • Identity theft that leads to liabilities due to the fraudulent use of your personal information.

Cover depends on the type of matter, when it started, whether waiting periods apply and the limits shown in your policy schedules

A complete list is available in your policy schedule, and cover is subject to approval and policy limits.

No. This cover applies only to personal legal cover. It does not apply to business activities nor rental disputes. 

This ensures the cover remains focused on protecting and supporting you in your personal capacity when you need legal guidance and assistance.

Yes, like all insurance policies, there are exclusions. The most common ones include:

  • Appeals or reviews following the outcome of civil, criminal, or labour matters. 

  • Pre-existing matters that started before the policy start date.

  • Any matters in your capacity as a business owner.

  • Professional sports matters.

  • Intellectual property matters, such as copyrights and patents.

  • Certain vehicle-related matters, such as racing or driving under the influence.

  • Compensation that conflicts with legislation.

  • Wrongful acts or omissions, which involve violence, dishonesty, or immorality.

  • Any action involving the Nedbank Group.

A complete list is available in your policy schedule.

Keeping your insured amount accurate and up to date helps you avoid this shortfall.

You can claim for family-related matters after a 6-month waiting period and for other legal matters after a 3 month waiting period. 

Telephonic legal advice or accidental death benefits are available from your policy start date, so you can access immediate support and guidance from day one.

Your policy schedule will specify limits per case and/or year based on the cover amount you choose. The options include:

  • R75 000 + R10 000 bail; 

  • R100 000 + R10 000 bail; 

  • R150 000 + R15 000 bail; or

  • R200 000 + R20 000 bail.

These limits are designed to provide meaningful support while keeping premiums affordable.

When you claim, you’ll be guided to our trusted panel of attorneys to ensure quality service. However, the matter will first be assessed to see whether it can be resolve it before litigation.

You may request your own attorney, subject to approval. However, you will be responsible for the difference if their fees exceed our tariffs.

Yes, your immediate family (as defined in the policy) may be covered. This typically includes:

  • your spouse or partner; and

  • dependent children younger than 18, or those between 18 and 25 who are financially dependent on the policyholder and enrolled at a tertiary institution.

This means your loved ones can also benefit from legal support and assistance when they need it most.

Your premium depends on:

  • the level of cover you choose; and

  • your risk profile and underwriting criteria.

To ensure your cover remains appropriate and sustainable, premiums may be reviewed from time to time. If any changes are required, we'll let you know in advance so that you have time to understand and consider them.

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To log a claim via the Money app, select Insure > Legal expenses and follow the prompts.

Alternatively, call us on 0800 333 111 or email us at insurance@nedbank.co.za. Our consultants will guide you in submitting documents by:

  • asking for details about the legal matter; and

  • reviewing your documents to assess the claim.

Once your claim has been assessed and is valid, we'll continue with the claims process and keep you informed along the way.

A new legal matter is one that’ starts after the policy start date, but this is subject to waiting periods. A pre-existing case is one that began before you took the policy and is not covered.

To help you get the most from your cover, we're always here to guide you on what's covered and when your benefits apply.

Yes. You should always contact Nedbank Insurance first. To do this, log a claim via the Money app, call us on 0800 333 111, or email us at insurance@nedbank.co.za. Our legal team will assess the matter before guiding you to an approved attorney if this is the best way to proceed. This ensures that costs are managed correctly and that your claim remains covered.

Before making any changes or cancelling, speak to us so we can help you understand your options.

We will make sure to keep you informed at key stages. You can also request updates by calling 0800 333 111 or emailing us at insurance@nedbank.co.za.

Yes. Once your matter has been approved, your attorney will manage the legal process and communicate directly with you so you always know where you stand.

Let us know by calling 0800 333 111 or emailing us at insurance@nedbank.co.za so we can review the situation. Where appropriate, we’ll assist with an alternative solution.

Our priority is to ensure that your matter is handled fairly and appropriately, while keeping your legal journey as smooth as possible.

Your cover pays legal costs up to the limits set in your policy schedule. If costs exceed that, any additional amounts will need to be covered by you. Knowing your limits upfront can help you plan better.

Yes, we offer free, unlimited telephonic legal advice 24 hours a day. You can access this without opening a formal claim.

If you make multiple valid claims that are equal to or less than the annual limit, they may be covered. However, if the first legal matter you claimed for reaches the cover limit for the period, subsequent cases will not be covered. 

To avoid any surprises, we recommend keeping track of your available cover and contacting us if you're unsure how a claim may affect your remaining benefit for the year.

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Your policy is reviewed each year and will renew automatically unless you ask us to cancel it. 

Before renewal, you’ll receive a notice with your updated details, including your premium, cover and any changes. 

This gives you time to check that everything still suits your needs.

Yes. Before your policy renews, you can ask us to review or update your cover, whether you want to adjust your insured amount or explore more affordable options. 

If anything in your renewal notice isn’t clear, you can reach out to us on 0800 333 111 for help. We’ll talk you through it so you can make informed decisions with confidence. 

If you’ve had legal matters during the year, it doesn’t automatically mean your cover will change. 

Premiums and cover may be reviewed annually, and we’ll let you know about any changes in advance so you have time to consider your options.

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You can cancel your policy at any time by contacting us, whether by phone, email, or in writing. 

You don’t need to follow a complicated process. Once you tell us, we’ll confirm your cancellation and the date your cover ends. 

Let us know ahead of time when you’d like your cover to end, so you stay in control of your protection. 

Once we receive your cancellation request, we’ll confirm the cancellation and the date your cover will end. 

If a refund is due, it will be processed in line with your policy terms. After cancellation, your policy benefits and cover will stop from the confirmed date, so it’s important to make sure you’re comfortable with when your protection ends.

Cancellation is processed in line with your policy terms and billing cycle. 

The date your cover ends will depend on when you ask us to cancel, whether your policy is monthly or annual, and whether any claim has been paid. 

When you contact us, we’ll confirm your cancellation date so you know exactly when your cover will stop.

Yes. Your policy runs either monthly or annually and you can cancel it at any point. 

We’ll apply the cancellation in line with your payment cycle and policy terms. 

Check your billing cycle before you cancel your policy so you know exactly when your cover will stop.

If your premiums are not paid, your cover will stop after your last successful payment. In practice, cancellation may be processed from the first unpaid premium. 

Always let us know if you intend to cancel your policy. This will avoid confusion and ensure your cover ends correctly. 

Unfortunately, cover for an existing case will not continue if you cancel this insurance solution while the matter is still in progress. Any work on the legal case will stop once your cancellation has been processed.

This means any further legal costs or work on the matter will no longer be covered under this policy. For your peace of mind and continued support, we recommend maintaining your cover until your legal matter has been fully resolved.

When you receive your policy documents, you’ll have 14 days to cancel your policy and receive a full refund, as long as you have not made a claim during this time. 

Use this time to review your cover carefully and ask any questions before you decide. 

Yes. If needed, we may cancel your policy or a section of it by giving you 31 days’ written notice, as set out in your policy terms. 

Keep your contact details up to date so you don’t miss important policy communications. 

Yes, you can apply for cover again. 

However, a new application and underwriting assessment may apply, including updated risk details and pricing. 

If your needs change, it’s best to act quickly so you don’t have a gap in cover. 

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